Cheap Auto Insurance Quotes in Missoula, MT (January 2022)

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Car Insurance in Missoula, MT

The average cost of Montana car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Missoula, MT to find you the cheapest quotes in the area.
$43
$55
$68
$69
$189
State FarmProgressiveTravelersAllstateThe General

Cheapest Car Insurance in Missoula, MT

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

$89
$81
$89
$98
$92
$85
MontanaBillingsGreat FallsBozemanButteMissoula
Click here to learn about car insurance quotes and save on your current policy.

Missoula, MT Driving Facts

montana

Minimum Car Insurance Requirements in MT

Understanding Montana car insurance requirements is the first step to getting low-cost car insurance. Every state has at least slightly different rules and regulations when it comes to car insurance, so it’s important to know the difference between required, recommended, and optional coverage limits.

According to the Montana Department of Justice, Montana auto insurance requirements include:

  • $25,000 bodily injury liability per person 
  • $50,000 bodily injury liability in total per accident
  • $20,000 property damage liability

In addition to these minimum coverage levels, drivers must be offered underinsured/uninsured motorist protection in the minimums of $25,000/$50,000 bodily injury coverage. While not required to carry underinsured or uninsured motorist coverageMontana drivers must reject these riders in writing if they want to remove it from their policy.

Find local Missoula agents

Summit Insurance Agency, Inc. 
401 S Orange St Ste C, Missoula, MT 59801-2525
Hub International Mountain States Ltd. Missoula 
2703 Connery Way, Missoula, MT 59808-1951
Montana Central Insurance Agency, Inc. 
1008 Burlington Ave Ste B, Missoula, MT 59801-5682
AAA Mountain West, Inc. Missoula 
2925 Palmer St, Missoula, MT 59808-1658
PayneWest Insurance Missoula 
2925 Palmer St, Missoula, MT 59806
Terry Payne & Co, Inc. 
2620 Radio Way, Missoula, MT 59808-1305
Affordable Insurance
1830 South Ave W, Missoula, MT 59801
Randy Mitchell: Auto Insurance
1410 S Reserve St Ste 104, Missoula, MT 59801
Treasure State Insurance
321 SW Higgins Ave, Missoula, MT 59803
Insurance Unlimite
2200 Brooks St suite a, Missoula, MT 59801

Insurify Insights: How Missoula Drivers Measure Up

ford
Ford F-Series Pickup
Most Popular Car in
Missoula, MT
suspended licenses
#6
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Missoula drivers measure up to their fellow Montana motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Missoula

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Missoula drivers rank 2 in the number of car accidents per driver across all cities in Montana.

  • Rank within state: #2
  • Percent of drivers in Missoula with an accident: 13.32%
  • Drivers in Missoula, MT with an accident in their driving history paid on average 29.84% more than drivers with a clean record

Speeding in Missoula

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Montana, Missoula drivers rank 3 in the number of speeding infractions per driver.

  • Rank within state: #3
  • Percent of drivers in Missoula with a speeding ticket: 12.74%
  • Drivers in Missoula, MT with a speeding ticket in their driving history paid on average 34.68% more than drivers with a clean record

DUI/DWIs in Missoula

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Missoula drivers rank 1 in the number of DUI’s per driver across all cities in Montana.

  • Rank within state: #1
  • Percent of drivers in Missoula with a DUI: 3.5%
  • Drivers in Missoula, MT with a DUI in their driving history paid on average 17.74% more than drivers with a clean record

Most Popular Vehicle in Missoula

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Missoula is the Ford F-Series Pickup.

Rude in Missoula

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Montana, Missoula drivers rank 2 in rude driving infractions.

  • Rank within state: #2
  • Percent of drivers in Missoula with a reckless driving violation: 2.7%
  • Drivers in Missoula, MT with a reckless driving violation in their driving history paid on average 31.45% more than drivers with a clean record.

Safest Drivers in Missoula

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Missoula drivers rank 3 in clean driving records across all cities in Montana.

  • Rank within state: #3
  • Percent of drivers in Missoula with clean record: 75.68%

Failure to Yield the Right of Way in Missoula

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Missoula drivers rank 2 in failure to yield violations per driver across all cities in Montana.

  • Rank within state: #2
  • Percent of drivers in Missoula with a failure to yield violation: 0.58%
  • Drivers in Missoula, MT with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers in Missoula

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Montana, Missoula drivers rank 2 in the number of reckless driving offenses per driver.

  • Rank within state: #2
  • Percent of drivers in Missoula with a reckless driving offense: 0.39%

Hybrid/Electric Vehicle Ownership in Missoula

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Missoula drivers rank 2 in hybrid and electric vehicle ownership across all cities in Montana.

  • Rank within state: #2
  • Percent of drivers in Missoula with a hybrid/electric vehicle: 0.58%

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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